Providing an introduction to insurances that are designed especially for your requirements as a tenant whilst covering advice on the process you will need to go through for ensuring you and your possessions are adequately covered.
Tenants need specialist insurance to protect themselves against any damage to their personal items.
Items of both financial and sentimental value should be protected against any unforeseen loss. This is especially true when you are a tenant as you will not be covered against any building fault. For example, if a pipe were to burst you wouldn't be able to claim unless you had contents insurance.
As a tenant, you're using your landlord's property and its contents on a daily basis and you will be financially liable for any breakages. It is therefore also important to cover yourself for any damage that may be caused to your landlord's property and the items within it.
Tenant contents insurance is necessary to cover the cost of any loss or damage to contents owned by you or your landlord. Tenant content insurance will also generally protect you in the event of burglary or theft.
Some contents insurance policies will also cover tenants for any alternative accommodation needs.
Tenant contents insurance usually provides cover for loss or damage caused by events such as:
Coverage will differ between insurance companies so check your policy documents.
The cost of your tenant insurance premium will be influenced by a number of factors including:
The process of purchasing tenant insurance will require you to supply the following information:
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